INF Standard Plan - Insurance for Visitors
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The INF Standard Plan is a new accident & sickness insurance program for Visitors to the United States. This plan covers any new medical conditions and accidents as per the terms and conditions listed in the policy. This means out-patient, specialist, urgent care, and in-patient services are all covered by this plan for new sicknesses, and accidents for usual and customary charges for medically necessary covered expenses incurred, up to policy sublimits and benefit maximums, after any applicable deductibles have been met. This plan is available for age 0-99, and enrollment can be completed Online or by completing a paper application. INF Standard has been offered for more than 30 years by INF as part of its commitment to helping the community.
INF Standard Accident & Sicknessnsurance plan provide several travel assistance related services through AXA Global Assistance. Services provided include (but not limited to): Medical Monitoring, Medical Referrals, Emergency Medical Payments, Medical Expense Guarantee, Hospital Admission Guarantee, Emergency Medical Transport, Medical Evacuation or Repatriation, Dispatch of a Doctor or Specialist, Repatriation of Remains, Family Reunion Travel Arrangements, Escort Transportation, Return of Dependent Children, Return of a Traveling Companion, Visit of a Family Member or Friend, and Replacement of Medication of Eyeglasses. These services are available only if a covered person started his/her journey and at least 100 miles away from his or her legal residence or outside of his or her home country or country of permanent assignment. Designed with the community in mind, the INF Standard Visitor Health Insurance plan will cover your loved ones. With 30 years experience, peace of mind is what you get with the INF Standard Plan. A special feature of INF Standard Plan is MeMD- a telehealth feature which allows you to get medical care from the comfort of your own home. MeMD allows you to schedule an appointment with a board-certified US-based doctor, and get medical care within 1 hour. The doctor will video or audio chat your visitor and send a prescription to your nearest pharmacy, if required. MeMD has no deductible, no cost to the policy holder, and can be used for any non life threatening new sickness or pre-existing medical conditions, without acute-onset limitation.
THE SERVICES DESCRIBED ABOVE ARE NOT INSURANCE AND ARE NOT AFFILIATED WITH ACE AMERICAN INSURANCE COMPANY, A MEMBER OF THE Chubb Group of companies |
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INF Standard Plan: An Illustration
Vidhya Kohli is a 62 year-old soon-to-be great-grandmother who lives in Chennai. She is traveling to the United States to for the birth of her great-granddaughter, due in mid-February and will be staying for 6 months. As a testament to her old age, Vidhya has no pre-existing conditions, exercises regularly, and keeps a strict diet. Vidhya arrives in Chicago, and is picked up by her daughter, Komal. After resting for a few days, Vidya decides to take a walk around the neighborhood. Due to a recent snow storm, there is much ice on the sidewalk. Vidhya accidentally slips and breaks her ankle. She is taken to the emergency room. Vidhya will now need a rehabilitative brace. As she leaves the hospital, she is handed a bill for $18,000. Komal had purchased $150,000 INF Standard Plan with $250 deductible for Vidya. Here's an example of billed and paid:
Procedure |
Billed |
Amount Paid by Insurance |
Amount Owed by Vidhya |
Hospital Room & ICU |
$5,500 (2 Day) |
$4,650 |
$850 |
Surgeon & Surgical Supplies |
$8,000 |
$7,500 |
$500 |
Rehabilitative Braces |
$950 |
$950 |
$0 |
Prescription Drugs |
$250 |
$200 |
$50 |
X-Ray & CAT Scan |
$2,000 |
$1,750 |
$250 |
Total Premium Paid: $607.68 | Total Claims Paid: $15,050
As illustrated above, the INF Standard Plan will cover medical events caused by an accident or sickness, up to the limit described in the policy . The INF Standard Plan provides coverage for accidents, such as bone fracture or serious illness. With the INF Standard Plan, serious illnesses & accidents are covered as per the terms and conditions in the policy. The INF Standard Plan is available for ages, 0-99 years. With the INF Standard Plan, you & your visitors can travel in confidence with the peace of mind knowing they are covered for accidents & new sicknesses.
*Medical bills will vary by location and facility. This is for illustration purposes only. Actual coverage depends on each insureds unique circumstances.
*Medical bills will vary by location and facility. This is for illustration purposes only. Actual coverage depends on each insureds unique circumstances.
INF Standard Coverages
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INF Standard plan | Age 0-69
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INF Standard plan | Age 70-99
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INF Standard Schedule of Benefits
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50K Standard (Age 0-99) | medical In-Patient benefits (in the hospital for more than 24 hours)
50K Standard (Age 0-99) | medical out-Patient benefits (Services rendered require less than 24 hours stay)
50K Standard (Age 0-99) | other benefits
100K STANDARD (AGE 0-99) | MEDICAL IN-PATIENT BENEFITS (in the hospital for more than 24 hours)
100K STANDARD (AGE 0-99) | MEDICAL OUT-PATIENT BENEFITS (Services rendered require less than 24 hours stay)
100K STANDARD (AGE 0-99) | OTHER BENEFITS
150K STANDARD (AGE 0-69) | MEDICAL IN-PATIENT BENEFITS (in the hospital for more than 24 hours)
150K STANDARD (AGE 0-69) | MEDICAL OUT-PATIENT BENEFITS (Services rendered require less than 24 hours stay)
150K STANDARD (AGE 0-69) | OTHER BENEFITS
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This information is a brief description of the important features of this insurance plan. It is not
an insurance contract. Travel assistance services are provided by AXA Global Assistance and are
not insured benefits. Insurance benefits are underwritten by ACE American Insurance Company.
Coverage may not be available in all states or certain terms may be different where required by
state law. Please see the Description of Coverage for terms and conditions. Chubb is the
marketing name used to refer to subsidiaries of Chubb Limited providing insurance and related
services. For a list of these subsidiaries, please visit our website at www.chubb.com.